Chase Instacart Credit Card: $250 Credit Bonus, No Annual Fee

【Updated 2023.11】The welcome bonus on this card has been increased to a $250 Instacart Credit, with no spending requirement. It’s only worth considering if you shop with Instacart a lot.

• Application Link

Chase Instacart Credit Card Review

Cons

• The bonus cashback categories are fairly limited

My Take

I was actually a bit surprised to see this co-branded card. Chase partnering with Instacart suggests that Instacart’s business has been growing quite well. In terms of benefits, this card is fairly average and really only makes sense for people who spend a lot on Instacart over the long term. The 2% cashback on gas and dining does at least give it one more reason for everyday use.

That said, the complimentary one-year Instacart+ membership is also available on some other Chase cards, so you may want to first check:

• Chase free Instacart+ membership and $10 OFF $35 discount

How to Apply

• Since this is a co-branded credit card with Instacart, you need to sign up for an Instacart membership first when applying

Chase Credit Card Application Guide

• Chase application status check link (login required). Or call: 888-338-2586
• The 5/24 rule: if you have opened more than 5 new cards in the past 2 years (including cards from other banks), you will not be approved for a new Chase card
• You can be approved for at most two Chase credit cards within every 30 days
• If you have received the welcome bonus on this card within the past 24 months (48 months for the Sapphire family), your application will be automatically denied
• You can call the reconsideration line (800-453-9719) to expedite card approval or request a review of a denied application.
• Having a Chase Checking account can help with getting approved for a credit card
• More on applying for Chase credit cards

Application Link